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Student Travel Insurance
Student travel insurance is a type of travel insurance plan that is made for students who are moving abroad to pursue their higher education. By buying this policy, you get covered for various risks like loss of passport, loss of checked-in baggage, study interruptions, medical emergencies and more.
Whether you're looking to pursue your higher education in foreign lands like the US, UK, Australia, Europe or anywhere else in the world, having travel insurance for students makes studying abroad that much safer.
A whole world of potential awaits you as you’re looking to begin your education at a foreign university. As you’re preparing, you have several things to arrange for like funds, accommodation, flights, etc. But you shouldn’t forget to take a international student travel insurance along for the ride. Here’s a list of benefits of buying overseas student travel insurance:
Losing a passport as a student studying abroad is a situation you don't want to find yourself in. It's the sole document that states you're an Indian citizen and it contains your visa too. However, if you do lose your passport, an international student travel insurance policy will cover the expenses related to getting a duplicate or fresh passport. Having student travel insurance will ease your financial burden of replacing a lost passport thus reducing your burden during a stressful time.
You're going to a new country for the first time to study and improve your chances of having a successful career. All you have are the few belongings you bring from home. However, the worst happens and the airline loses your baggage. Getting back your belongings would be hard but with international student travel insurance you can get reimbursed for the losses incurred. Additionally, you're also covered for losses incurred if the flight delays your baggage too.
Everything is set for you to begin your fresh educational pursuit. Nothing can put a stop to your studies. But not everything is in your control. A sudden illness or injury that lands you in the hospital or the death of an immediate family member could curtail your studies. This could mean months out of college and you lose out on the semester. But with student travel insurance, you get covered for study interruptions where your fees for the semester you missed out on will be reimbursed.
An injury or accident is ever only a step away. Though no one wishes it upon you, it could still ambush you as you pursue your studies overseas. If this happens to you, you're in danger of not only a potential fatality but also racking up huge medical bills. But international student travel insurance can rescue you from the travails of hospitalisation with its medical coverage. It'll pay for your transportation to the hospital, inpatient treatment, diagnostic tests, X-rays, plaster casts, bandages, etc. In case of a death, it will cover the cost of bringing back the body to India or providing a local burial.
Have you ever fallen sick so bad that you're lying in a hospital bed for several days straight? The thing that amplifies the pain during that time is not having a loved one by your side. Now imagine something like this happening while you're studying abroad. There's no family member to offer you any kind of support. But if you have student travel insurance, you not only get medical coverage but you can also have one family member brought to you through the Compassionate Visit cover. This takes care of the flight tickets and accommodation for that one family member.
Because life is unpredictable, unfortunate events can befall even your loved ones. If such an event happens to your family you could lose your means of paying college fees and thus interrupt your studies. However, with travel insurance for students, you can get the tuition fees that are due for the remaining time at your college reimbursed. This will at least provide a little relief from the difficult time your family will be facing at the time.
Familiarising yourself with the laws of a foreign country could be a lot if you just got there. But you could end up in jail if you break a rule you were unaware of. You could also land in jail if you damage property or hurt someone by accident. It hurts to imagine such a situation, right? But here's where travel insurance for students will help you. If you face bailable offences, then the bail is covered under the student travel policy. This makes it useful to get you out of tough spots with the authorities.
Personal liability refers to the money you owe someone for the damages you cause to their property or health/life. This is usually a huge amount of money and can easily drain your savings. Here travel insurance for international students comes in handy since it covers all your liability owed to a third-party.
If during your studies abroad you get into an accident that gravely injures you resulting in either a disability or death, a student travel insurance plan will compensate you for the disability or in case of death, compensation will go to the legal heir.
Reliance Student Travel Insurance has four plans with Sum Insured available from USD 50,000 to USD 500,000 and premium starting at ₹246*. Our plan can be purchased for a period of up to 2 years. Given below is a detailed breakdown of all our travel insurance for international students:
Medical Expenses including Transportation, Evacuation and Repatriation of mortal remains
✘
50,000
100,000
250,000
500,000
Dental Treatment
✘
500
Loss of Passport
100
200
Total Loss of Checked-in Baggage*
1000
1000
Personal Accident
25,000
25,000
Accidental Death - Common Carrier
2,500
Personal Liability
150,000
Bail Bond
1,000
5,000
Study Interruption
10,000
Sponsor Protection
10,000
2-way Compassionate Visit
7,500
7,500
Apart from the four plans we offer, you also can get the extra benefit of these add-ons available under the Standard, Silver, Gold and Platinum plans:
Treatment of Mental & Nervous Disorders including Alcohol & Drug Dependency
1,000
Inpatient Hospitalisation expenses related to Pregnancy/Childbirth (After a waiting period of 10 months)
Medical Expenses for Intercollegiate spons injuries
Covered under the Medical Expenses including Transportation and Repatriation Benefit
Cancer Screening and Mammographic Examinations
Child Care Benefits
100/day
Chiropractic Treatment
Physiotherapy
Skilled Nurse Facility
Note: Additional add-on benefits are applicable on a case-to-case basis and subject to specific approval.
The question of needing travel insurance for international students is moot given the various perils it covers. But there is an added advantage in trusting an insurance company like Reliance General Insurance with your international student travel insurance needs. Here is a list of those advantages:
We offer four different types of student travel insurance plans that cover a range of risks like medical emergencies, loss of passport, loss of check-in baggage, study interruption, bail bond, sponsor protection and more. Also, you can choose from a Sum Insured ranging between USD 50,000 to USD 500,000.
Our student travel plans also cover any life-threatening conditions that are a result of a pre-existing disease. You'll be covered for emergency treatment till you're medically stable again. All you need to do is disclose all your pre-existing diseases at the time of buying the policy to get it covered.
You'll get a 30-day extension if the policy expires and you're still at the hospital getting treated for an illness or injury sustained while you were studying abroad. If there's a delay caused by the airline, an automatic 7-day extension applies to your policy. No matter what, our overseas student travel insurance plan will see you through.
Our claim team and Emergency Assistance Service Provider will be available to help you with anything related to your student travel insurance while you're abroad. In case you need any assistance, all you need to do is give us a call.
You can buy an overseas student travel insurance plan easily through our website www.reliancegeneral.co.in. Here are a few simple steps to get the insurance you need:
Step 1: Go to the travel insurance page and select travel type as "Student". Then enter your details like name, number, travel destination, policy period, etc.
Step 2: Choose your desired plan and click buy now.
Step 3: Check your plan details like the premium amount and then enter the remaining personal details.
Step 4: Select your preferred mode of payment and proceed to pay.
Once your payment is complete you will immediately get the policy copy of your student travel insurance.
We've tried to 'pack in' maximum coverage for a variety of situations while you're travelling abroad for your further studies with our overseas student travel insurance. Have a look!
Accidental bodily injury during the trip
Acute anesthetic treatment of teeth due to an injury
Emergency expenses made for medical evacuation to India
Total loss of your checked-in baggage by a common carrier
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Reimbursement of tuition fees, in case the sponsor paying your fee passes away due to an injury
Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death
Reimbursement of current (paid) semester fee, if your education is interrupted due to a medical condition
Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days.
Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise
Payment of bail amount to the appropriate authority, if you're arrested or detained by any judicial authorities for a bailable offence, while abroad
Note: Please read the policy wordings for a full list of inclusions.
Like you have some questions that are out-of-syllabus, a student insurance policy also has situations that are out-of-scope. Here's a list of things your student travel insurance policy won't cover!
War or nuclear threat in the country where you're travelling
Loss of checked-in baggage; no partial loss or damage shall become payable
Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered
Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities
Expenses incurred if you are:
Traveling against the advice of a physician
Receiving or are on a waiting list for specified medical treatment
Travelling to receive treatment abroad
Have been given a terminal prognosis for a medical condition
Expenses incurred due to any of the following conditions:
Suicide self-inflicted injuries or illnesses
Mental disorder
Anxiety, stress or depression
Venereal diseases
Alcohol/drug abuse
HIV/AIDS
Life-threatening conditions are covered if they arise out of disclosed pre-existing diseases, which are mentioned in the policy schedule. Customers need to declare all pre-existing diseases while taking the policy
Note: Please read the policy wordings for a full list of exclusions.
There are two ways to make a student travel insurance claim, cashless and reimbursement. Given below are the steps needed to get your claim:
Step 1: Intimate Reliance General Insurance within 24 hours of the occurrence of a claim
Step 2: For worldwide cashless claims, call the below mentioned landline number or the national toll-free number or International toll-free numbers.
Landline: +91-22-67347843/44 (Charges Applicable)
National toll-free number: 1800-209-55-22
International toll-free numbers:
Step 3: For reimbursement claims, submit a filled claim form along with all the documents at the below mentioned address:
Reliance General Insurance, Claims Department, C/O Europ Assistance India Pvt. Ltd., C-301, Business Square, Andheri Kurla Road, Chakala, Andheri (E), Mumbai - 400093, India
If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.
Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy: Student Plan. UIN: RELTIOP08002V010708. Premium: The premium mentioned is excluding taxes for a Basic Student Plan for an individual aged 20 years on a trip of 30 days. This is applicable for geographical regions excluding USA and Canada only. Total Loss of Checked Baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable Sum Insured and per item in baggage max 10%. Note that the Reliance Basic plan is for students going to certain Universities where the demand is that the medical cover shall only be taken locally. The sum insured mentioned against each coverage is the maximum limit up to which the benefit under that section becomes payable. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.
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It is a travel insurance policy tailored specifically for students studying in a foreign university for academic courses.
Student travel insurance is a travel policy that can be availed by a person who intends to pursue academic studies abroad.
It is advisable to buy a student travel insurance if you plan to stay abroad for a certain time period to pursue education. You’ll need to buy a student travel insurance before you leave the country to pursue your education.
A student travel plan offers great benefits and security for a student. When studying abroad, there a number of risks that a student is prone to. This policy offers coverage for medical treatments, accidental injuries, theft, and passport and baggage loss, legal prosecution amongst many. Such benefits ensure that a student secures total peace of mind in a foreign country.
16 to 35 years
Yes
This depends on the University you have chosen for education. Whilst all university accepts our travel insurance policy some Universities have mandate to opt the policy offered by them.
Deductible means a cost-sharing requirement under this travel insurance policy that provides that the insurer will not be liable for a specified monetary amount or for a specified number of days / hours which will apply before any benefit are payable by Insurer. A deductible does not reduce the Sum Insured. A deductible is important as it makes you a co-owner of the policy, by taking up a certain portion of the loss himself / herself.
No, every individual is to be issued only one travel insurance policy during his/her journey.
EASP means any organization or institution appointed by the Company for providing services to the Insured / Insured person for claim under insurable event.
This question should be addressed in the Claims tab and should be replied by Claims team.
Zero paperwork
Yes it can be refunded subject to policy copy, letter from student requesting cancellation and refund will be effective date of request and claim confirmation.
For policy cancellation, the student should provide the policy copy details, a letter/mail giving the reason for cancellation and/or a passport copy to prove non-travel or visa rejection copy/cancelled ticket copy if such is the reason (cancellation charges are applicable).
If cancellation is done before risk start date full refund less cancellation charges will be provided. If it is after risk start date and due to non travel, with subsequent proof of non travel, full refund less cancellation charges will be provided. However post risk start date, the customer is cancelling the policy post travel or University denying our policy or due to early return based on utilised premium, remaining premium less cancellation charges will be provided.
730 days
The travel insurance policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. This compensation is different for various losses and is limited to the sum insured as mentioned in the plan. For e.g. in a case where the insured loses his arm, the compensation will be 70% of the sum insured.
Yes, with Reliance Travel Insurance you can! If your holiday is extended for any reason, we recommend that you extend your student insurance policy. It always better to be safe than sorry! Download and fill the Extension Form and visit the nearest branch.
Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling.
Any basic travel insurance policy will cover you for:
Apart from these, you can opt for covers like:
Medical expenses for Intercollegiate Sports injuries are covered under Medical expenses including Transportation and Repatriation Benefit subject to Add-on benefits opted and premium paid.
Yes, it does. We will reimburse your dental expenses for any acute anesthetic treatment of teeth due to an Injury.
In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.
However, the policy will not cover you if your passport:
No, this policy helps when the checked in baggage is totally lost.
The loss of handbag is not covered. Your policy pays or reimburses only for a Total loss of checked-in baggage accepted by a common carrier by which you would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.
This particular insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan.
As long as you are travelling by "Common Carrier" means any scheduled commercial airline or ship or vessel operating under a license from the relevant authority for the transportation of passengers for hire you stay covered.
Your travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.
Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner.
Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.
If any illness / injury during the period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.
In such a case, if the death or disablement occurs within 12 months from the date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.
A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.
If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:
With Reliance General Insurance you can now choose between 5 payment options as mentioned below to pay your premium:
You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.
This depends on the plan, age, geographical coverage and the no of days primary policy opted and the extension no of days sought.
Although we do not have specific time frame we would certainly like the travel insurance claim to be intimated as soon as possible, for better assistance.
Cashless facility is provided for inpatient hospitalisation, for which the insured needs to intimate the claim as soon as possible so that we can process the cashless procedure. However, the Insured can always choose to self-pay and come for reimbursement if he/she wishes. For OPD visits and consultations - as the expenses are less, the insured can claim under reimbursement.
The original ticket/boarding pass or a copy of the passport indicating the travel dates i.e. visa with entry and exit stamp plus the original bills and vouchers must be submitted along with the completed claim form for all claims.
Any other document(s) that we require from you to process the claim may be asked for. If we or the Service Provider request that bills/vouchers in a foreign language be accompanied by an appropriate translation, then the same will be borne by the claimant.
For medical claims - Medical Practitioner's Consultation notes, original admission/discharge card, original Bills/receipts with prescriptions and diagnostic/investigative reports along with mandatory documents such as claim form, copy of passport/visa with entry and exit stamp and copy of the ticket and boarding pass.
Yes, Europ Assistance has a global presence in all the major countries. Post approval of the claim Europ Assistance can place a guarantee to the Hospital/providers and make the cashless claim.
Further, under Cashless Services, if the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be, will guarantee to the Hospital/other providers the costs of hospitalisation, transportation for emergency services, and transportation home of the Insured. All costs will be directly settled by Emergency Assistance Service Provider on the Company's behalf and the same shall constitute due discharge of the Company's obligations.
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
No such pre-approval is require before hospital admission in case of any medical emergency. Registration of claim is required to avail benefits under the policy. Please call the given numbers to register your claim and confirm your coverage under the policy as soon as possible upon hospitalization, intimation can be done even by sending an email or making a call to our 24x7 emergency assistance partner on provided email address or toll free numbers. Please refer policy schedule for contact details.
Deductible is a cost-sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified amount in case of indemnity policies and for a specified number of days/ hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured.
No, There is no specific list of hospitals or network list which we provide, Registration of claim is required to avail benefits under the policy.
There is a limit for indeminity for person aged specified years old and above you can refer the Policy schedule and Benefit table to know the maximum Sum insured against Medical Benefit for a particular age group.
You shall immediately contact the Help line (Alarm Centre) of the Service Provider as mentioned in the Schedule. You need to contact the Help Line number while abroad as soon as possible and provide Notification of claim in case You are/will be filing any claim, even if assistance is not required. We will not be liable to pay any claim that has not been informed by you while abroad to the Help Line Number on return back to India. The Service Provider Help Line Number will verify the identity of the caller and assist you further with the claim procedure. In the event of an accident or sudden illness where it is not possible to do so before consulting a Medical Practitioner or going to the Hospital, You shall contact the Help Line Number as soon as possible. In either case, when being admitted as a patient, you shall show the concerned Medical Practitioner or personnel this Policy, if requested.
Given below is a list of contact numbers for each country:
In case there is no toll-free number for the country you are calling from, you may please call us on our India Landline number +91 22 67347844 (Paid). This number is accessible 24/7 all year long). You may also ask for a call back on this number and we will immediately call you back on your preferred number as provided during the call request.
The national toll-free number for your relatives in India is +91 22 48903009. Alternatively, you may also write to us at reliance@europ-assistance.in.
1. The Company shall pay or reimburse the Insured/Insured Person for the delay in transportation of checked-in baggage during a trip. Cover is limited to the travel destinations specified in the main travel ticket from India and return trip to India. All halts and via destinations included in this main travel ticket will be considered for payment under this benefit. The compensation will not exceed the Sum Insured as specified in the Schedule.
The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule.
Special Conditions:
The delay of checked-in baggage is more than 12 hours from the actual arrival time of the common carrier at the destination and relates to delivery of baggage that has been checked in by the common carrier.
Insured / Insured Person provides the Company with written proof of delay from the common carrier.
Insured / Insured Person provides the Company with the receipts for the necessary emergency purchases of toiletries, medication and clothing that he/she needed to buy.
Note: In the event that claim(s) is submitted for total loss of checked-in baggage as well as temporary delay of checked-in baggage, the higher of the claim(s) shall be payable by the Company in respect of the same item(s) of checked-in baggage during any one period of insurance.
2. In the event that the Company makes any payment or reimbursement under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured / Insured Person, or on behalf of the Insured / Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company.
The Company shall compensate the Insured/Insured Person for the total loss of checked-in baggage on a trip. The cover is limited to the travel destinations specified in the main travel ticket from the Republic of India and the return trip to India. All halts and via destinations included in this main travel ticket will be covered under this benefit. The compensation will be limited to the Sum Insured as specified in the Schedule.
The deductible in respect of this benefit will be applicable for each separate claim and shall be of an amount as specified in the Schedule.
Special Conditions:
1. The Company will compensate the Insured/Insured Person for the market value of checked-in baggage in the event of total and complete loss of such checked-in baggage caused by a common carrier up to the limits as specified in the Schedule provided that:
Maximum amount payable per checked-in baggage, in case more than one bag has been checked-in, is 50 % of the applicable Sum Insured. In case of only one bag being checked-in, the amount payable is 100% of the applicable Sum Insured.
Insured has provided all reports, documents and other details concerning the loss to the Emergency Assistance Service Provider. For the purposes of this benefit, "market value" is the sum required to purchase new items of the same kind and quality less an amount representing wear and tear, usage, etc. at the time of loss.
2. In the event that the Company makes any payment under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured / Insured Person, or on behalf of the Insured/ Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company.
3. The amount payable in respect of any one article, pair or set is limited to the amount as specified in the Schedule.
4. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be obtained from the airline immediately upon discovery of the loss which must be submitted to the Emergency Assistance Service Provider.
5. No partial loss or damage shall become payable. However, total loss or damage of individual unit(s) of baggage shall not be construed as falling within this Special Condition.
The Company shall compensate the Insured / Insured Person if a trip is canceled or interrupted due to any of the following reasons:
1. Unforeseen illness, injury, or death of the Insured / Insured Person's family member. Injury or illness must be so disabling as to reasonably cause a trip to be canceled or interrupted;
2. Termination of employment or layoff affecting the Insured / Insured Person or the Traveling Companion of the Insured, provided that the Insured / Insured Person or the Traveling Companion, as the case may be, have been employed with the employer for at least three continuous years;
3. Inclement weather conditions causing cancellation of the trip;
4. The place intended to be occupied by the Insured / Insured Person for purposes of Insured / Insured Person's stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster;
5. The Insured / Insured Person being abducted or quarantined;
6. The Insured / Insured Person or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured / Insured Person (including any member of their family) or the Traveling Companion (including any member of travelling companion's family) is/are not principal or accessory in such felonious assault.
7. A terrorist incident in a City/destination listed on the Insured/Insured Person's itinerary within 30 days of the Insured / Insured Person's scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace. Trip Cancellation Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that are canceled before the scheduled departure date due to the reasons mentioned above. The Company will reimburse for the forfeited, nonrefundable prepaid payments, made prior to the Insured / Insured Person's departure date. Trip Interruption Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that have been interrupted, due to the reasons mentioned above. The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured / Insured Person's departure date and additional transportation expenses incurred by the Insured / Insured Person, either to
1. Return to the Republic of India; or
2. From the place that the Insured / Insured Person left the trip to the place that the Insured / Insured Person may rejoin the trip;
3. Additional transportation expenses incurred by the Insured/ Insured Person to reach the original trip destination if the Insured / Insured Person is delayed, and leaves after the trip departure date. However, the benefit payable under (2) and (3) will not exceed the cost of economy airfare by the most direct route, less any refunds paid or payable.
If any illness/injury during the period abroad necessitates curative treatment beyond the duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible.
The original ticket/ boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claim form. The original bills and vouchers must be submitted along with all claims.
Any other document(s) that we require from you to process the claim may be asked for. If we or the Service Provider request that bills/vouchers in a foreign language be accompanied by an appropriate translation, then the same will be borne by you. Medical Practitioner's Consultation notes, original admission/discharge card, original bills/receipts with prescriptions and diagnostic/investigative reports, copy of passport/visa with entry and exit stamp and copy of the ticket and boarding pass.
The sum insured is the maximum amount the insurance company will pay, this amount is mentioned in your policy schedule against each benefit.
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured/Insured Person for:
1. Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.
2. Any pre-existing disease.
3. Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating Physician and the Emergency Assistance Service Provider.
4. Treatment of orthopaedic, degenerative, oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain in any case excluding chemotherapy or radiotherapy expenses.
5. Charges in excess of reasonable and customary charges incurred on account of an insurable event as per the determination by the Emergency Assistance Service Provider.
6. Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain.
7. Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner).
8. Expenses incurred in connection with rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
9. Expenses related to mental or psychiatric disorders.
10. Pregnancy, childbirth and any consequences thereof.
You can visit any Dentist / Clinic for Emergency Dental relief and avail the treatment, you can self pay the expenses and claim under Reimbursement. Ensure you collect consultation notes, receipts and xray reports from the dentist. which you need to submit to claims department. After your visit you can intimate the claim on our 24x7 emergency assistance department number who will assist you with further claim procedure.
Yes, you can file a travel insurance claim in India upon return within 30 days from the Policy expiry date or date you return to India whichever is earlier, however it is advisable to file a claim while abroad as soon as any incident occurs leading to the claim under the Policy.
Reimbursement of all claims (except claims under Financial Emergency Assistance ) will be made by the Service Provider in Indian Rupees on Your return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Claims under Financial Emergency Assistance shall be settled/ arranged directly to you, whilst abroad, by the Service Provider. You shall immediately and in any event not later than 30 days after his return to India, notify the Service Provider and obtain a Claim Form for completion and return to the Service Provider along with supporting invoices and any other documentation or information that might be required or requested by the Service Provider.
We shall reimburse the expenses subject to approval of by cheque on the name of the insured.
Service Provider/ Third party administrator (TPA) means persons, organization named in the Schedule who has been appointed by us to provide administrative services on Our Behalf and at Our Direction for an Insurable event. You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. in case of any claim.
You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. On the numbers specified on the Policy schedule.
On the day specificied on the Policy start date when you commence your journey by common carrier outside republic of India till the date you return to India or Policy expiry date whichever is earlier.
Coverage under this Policy is limited to Checked in Baggage which is entrusted with the common carrier during your trip.
You can visit any hospital/doctor and intimate us after your visit to register claim for reimbursement in case of outpatient consultation visit and in case of inpatient hospitalization for more than 24 hours.
Each type of expense is mentioned in the benefits table of your Policy schedule. However, we recommend you go through the policy wording, it has all the fine print of the policy.
No, for Dental Treatment you have to self pay the expenses and claim under Reimbursement.
Below is a brief description of the conditions covered under the medical coverage:
A percentage of the Limit of Indemnity specified in the Policy Schedule, if you sustain Accidental Bodily Injury during the course of your trip overseas while this policy is in effect, results in Accidental Death and Permanent Total disability, you can refer table of loses in the Policy wording under Personal Accident benefit.
The Company will indemnify the Insured / Insured Person in the event the Insured / Insured Person becomes legally liable to a third party under law for an incident which results in death, injury or damage to the health of such third party or damage to his/her properties, but not exceeding the Sum Insured as specified in the Schedule and provided the incident occurs during the period of insurance and whilst on a trip.
No, we regret Any claim relating to events occurring before the commencement of the trip covered hereunder and any time after the completion of the trip at any port of the Country of Your Residence is not covered under this policy.
You need to submit your documents within 30 days from the date of return to India or the expiry date of the Policy whichever is earlier.
You have to register a claim by contacting our Emergency assistance provider. After claim registration, you can arrange and submit the supporting documents to the claims department, and after submitting the documents our claims department will review the documents to ascertain the claim's admissibility and update you on any additional requirements. Once the claim is found admissible, we shall update you and process the final reimbursement amount as per Policy terms and conditions.
No, there is no card that we issue. You can submit a copy of your Policy schedule in the hospital to avail of medical services & simultaneously contact our assistance service provider to intimate the claim.
From the place of incident to the nearest Medical Facility or from one Medical facility to another Medical facility as recommended by Treating doctor charges can be considered as per Policy terms and conditions.
No, medicines purchased from a pharmacist are not covered unless and until prior consultation is sought from a Medical Practitioner and the same is prescribed as a part of treatment. You have to consult a doctor and supporting consultation notes & prescriptions are required to make a claim.
In the absence of require mandatory documents in original we regret we shall not be able to process the reimbursement amount.
We regret we will require the documents for any claim reported under indemnity benefit. If the same is lost and if you have not submitted it, your claim will be closed without any payment.
Extension of the Policy during the duration of the trip can be done only once at the sole discretion of the Company. The Insured / Insured Person shall submit a declaration letter clearly mentioning the claims filed during the original Policy duration and also that he / she is unaware of any existing health condition which could result in a claim during the extension period. In case a claim has been filed in the original Policy duration, then the Policy may be extended only if the claim filed relates to the following benefits,
From the date of receipt of the complete set of documents, i will take approx 15 days for the final settlement of the claim.
No there is no such a pre-approval is require before hospitalization.
Unless and until a family floater policy is purchased, individuals will require separate policies, and separate sets of claim documents in case of any claim.
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